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Mortgage Application - key question


svenskidoo
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I'm looking for some advice please .

 

I recently applied for a mortgage, and was asked initially over the phone "have you ever had any CCJS or IVAS". The answer was and is no. I was given an agreement in principle.

 

This has now progressed to full application stage , after passing a full credit check.

 

I have received a check list to sign and return to the lender. One of the first questions asks "Have you ever been subject to county court judgements (CCJs) , defaults or a repossession"?

 

Is this asking if I have had a CCJ, county court default judgement or county court repossession order?, or is it asking if I have ever had credit defaults? The answer to that is yes, all unsecured, all now off my file and statute barred.

 

After an initial panic I believe it is all County Court order related but I would like your opinions please. :!:

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